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All Journal Journal of Economic, Bussines and Accounting (COSTING) Jurnal Tabarru': Islamic Banking and Finance Syarikat : Jurnal Rumpun Ekonomi Syariah Journal of Management and Bussines (JOMB) Islamic Business and Finance (IBF) Indonesian Journal of Social Sciences, Policy and Politics (IJSSPP) Hawa : Jurnal Pemberdayaan Dan Pengabdian Masyarakat (HAWAJPPM)
Ficha Melina
Fakultas Agama Islam, Universitas Islam Riau
Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Medicine & Pharmacology Social Sciences

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Pengaruh Pengetahuan Terhadap Minat Masyarakat Menggunakan Produk Perbankan Syariah Very Sidi; Ficha Melina
ISLAMIC BUSINESS and FINANCE Vol 4, No 2 (2023): ISLAMIC BUSINESS and FINANCE
Publisher : Universitas Islam Negeri Sultan Syarif Kasim Riau

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24014/ibf.v4i2.23805

Abstract

Penelitian ini dilatarbelakangi oleh kurangnya minat masyarakat menggunakan produk perbankan syariah. Penelitian ini bertujuan untuk mengetahui Pengaruh Pengetahuan Terhadap Minat Masyarakat Menggunakan Produk Perbankan Syariah. Jenis Penelitian ini adalah penelitian lapangan (field research) yang menggunakan metode penelitian kuantitatif, dengan jumlah sampel sebanyak 97 responden. dan teknik analisis data yang digunakan dalam penelitian ini adalah analisis regresi linear sederhana dengan menggunakan uji T (Parsial) dan uji Koefisien Determinasi (R²) dimana proses perhitungannya menggunakan SPSS versi 25. Hasil penelitian menunjukkan bahwa terdapat variabel pengetahuan berpengaruh signifikan terhadap minat masyarakat menggunakan produk perbankan syariah. Dengan hasil uji T yaitu Nilai signifikansi (sig) = 0,000 < 0.05 dan nilai Thitung 6,568 > Ttabel 1,986. Hal ini dapat diartikan bahwa terdapat pengaruh siginifikan variabel pengetahuan (X) terhadap minat (Y) secara parsial. Sedangkan, hasil uji koefisien determinasi menunjukkan sebesar 31,2 %. Ini berarti bahwa pengetahuan mempengaruhi minat masyarakat menggunakan produk perbankan syariah sebesar 31,2 % dan sisanya 68,8% dipengaruhi faktor lain yang tidak masuk dalam penelitian ini.Kata Kunci : Pengetahuan, Minat Menggunakan Produk Perbankan Syariah, Bank Syariah.
ANALYSIS OF THE UNDERSTANDING OF MICRO BUSINESS ACTORS ON THE USE OF BPKB ARRUM LOANS PT. PEGADAIAN SYARIAH Marina Zulfa; Ficha Melina; Zulkifli; Hamzah
Indonesian Journal of Social Sciences, Policy and Politics Vol. 1 No. 1 (2023): February 2023, Indonesian Journal of Social Sciences, Policy and Politics (IJSS
Publisher : Yayasan Wayan Marwan Pulungan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69745/ijsspp.v1i1.61

Abstract

Sharia pawnshops are a type of business entity where individuals can obtain funds to help meet their financial needs. Pegadaian Syariah provides a variety of products and services that can help people overcome their financial problems. One of its superior products is Ar Rum, a financing program to empower MSMEs that use BPKB as collateral. The BPKB guarantee will remain under the control of Pegadaian, so that customers can still use their vehicles. This study aims to investigate the impact of Understanding on Arrum BPKB loan applications at PT. Sharia Pawnshop. The results showed that there was a significant relationship between the level of understanding in the decision-making process. In other words, the greater a person's understanding of business and financial aspects, the more likely they are to be interested in applying for a loan to a Sharia Pawnshop.
PENGENALAN PRODUK LEMBAGA KEUANGAN SYARIAH DI KELURAHAN TANGKERANG BARAT KOTA PEKANBARU Ficha Melina; Marina Zulfa; Zulkifli; Hamzah; Nurul Muyasaroh
Hawa : Jurnal Pemberdayaan Dan Pengabdian Masyarakat Vol. 1 No. 2 (2023): Agustus 2023 Hawa : Jurnal Pemberdayaan Dan Pengabdian Masyarakat (HAWAJPPM)
Publisher : Yayasan Wayan Marwan Pulungan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69745/hawajppm.v1i2.35

Abstract

Pengabdian ini berjudul: Pengenalan Produk Lembaga Keuangan Syariah Di Kelurahan Tangkerang Barat. Kegiatan pengabdian kepada masyarakat ini bertujuan untuk memberikan kontribusi berupa pengetahuan dan menambah wawasan kepada kelompok ibu rumah tangga tentang pentingnya pengetahuan tentang produk Lembaga keuangan, yang berlandasakan syariah yakni perbankan syariah serta produk-produk yang terdapat didalamnya. Diharapkan dengan instrument produk-produk Lembaga keuangan syraiah ini dapat menjadi kekuatan baru ekonomi syariah di lingkungan masyarakat demi meningkatkan ekonomi masyarakat jauh lebih baik berlandaskan prinsip syariah. Kegiatan pengabdian ini kami laksanakan di kelurahan Tangkerang Barat Kecamatan Marpoyan Damai Kota Pekanbaru dengan Metode yang digunakan ada 4 tahap yaitu diskusi atau wawancara, observasi, menyampaikan surat kesediaan menjadi mitra dan penyuluhan atau sosialisasi. Adapun hasil dari kegiatan pengabdian ini yaitu untuk memberikan wawasan serta pengetahuan terkait produk-produk lembaga keuangan syariah kepada ibu-ibu RT 01 RW 012 Kelurahan Tangkerang Barat Kota Pekanbaru.
PEMBERDAYAAN EKONOMI UMAT MELALUI PEMAHAMAN GADAI SYARIAH DI LINGKUNGAN MAJLIS TAKLIM PEKANBARU RIAU Marina Zulfa; Ficha Melina; Nurul Muyasaroh
Hawa : Jurnal Pemberdayaan Dan Pengabdian Masyarakat Vol. 4 No. 2 (2026): Agustus 2026 Hawa : Jurnal Pemberdayaan Dan Pengabdian Masyarakat (HAWAJPPM)
Publisher : Yayasan Wayan Marwan Pulungan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69745/hawajppm.v4i2.142

Abstract

This community service activity aims to strengthen community economic empowerment through improving understanding of Islamic pawn (rahn) practices among members of Majlis Taklim at Darussalam Mosque, Tenayan Raya District. The program was implemented using an educational and participatory approach involving lectures, discussions, and practical explanations delivered collaboratively with Islamic bank partners specializing in gold pawn services. The activity was conducted on December 10, 2025, and attended by mosque congregants who actively participated in discussions on sharia-compliant financial solutions. The results show an increase in participants’ knowledge regarding the principles, procedures, and benefits of Islamic pawn schemes as an alternative to conventional financing. Participants also demonstrated greater awareness of the importance of using sharia-based financial products in managing household economic needs. In conclusion, this community service program effectively enhanced financial literacy and contributed to strengthening the economic resilience of the target community through the application of Islamic financial principles.
PENINGKATAN KESEJAHTERAAN MASYARAKAT MELALUI PEMANFAATAN PRODUK TABUNGAN DAN PEMBIAYAAN SYARIAH KEPADA IBU-IBU PKK PERUMAHAN GRIYA BINA WIDYA UNRI KOTA PEKANBARU Ficha Melina; Nurul Muyasaroh; Marina Zulfa; Rahmawati Nur; Aulia Fitri Sya’bani
Hawa : Jurnal Pemberdayaan Dan Pengabdian Masyarakat Vol. 4 No. 2 (2026): Agustus 2026 Hawa : Jurnal Pemberdayaan Dan Pengabdian Masyarakat (HAWAJPPM)
Publisher : Yayasan Wayan Marwan Pulungan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69745/hawajppm.v4i2.145

Abstract

This Community Service Activity (PKM) aims to increase public understanding of Islamic banking and encourage the use of Islamic financial products in supporting family economic welfare. The activity was carried out in Tuah Madani Village with the main target of PKK women. The methods used include socialization related to the basic concepts of Islamic banking, savings products, financing, and Islamic investments such as gold savings. The results of the activity showed an increase in participants' understanding of the principles and products of Islamic banking. However, based on observations, several problems are still found, such as low sharia financial literacy and lack of public understanding of Sharia investment products. Nevertheless, this activity received a very positive response from the community, which was shown through the enthusiasm of the participants and the hope that similar activities could be carried out sustainably with more varied materials. Thus, this PKM activity contributes to increasing sharia financial literacy and opens up opportunities for community economic empowerment based on sharia principles.
Co-Authors Aulia Fitri Sya’bani Boy Syamsul Bakhri Delima Afriyanti Diah - Mustika Hamzah Hendra Eka Saputra Marina Zulfa Marina Zulfa Maysuri Maysuri Muhammad Arif Nasution, Annio Indah Lestari Nurlaili Janati Nurul Muyasaroh Rahmawati Nur Very Sidi Winda Hasta Zulkifli